Project Manager Underwriting

Timothy J Cope ady2s6@r.postjobfree.com

Orange, Ca / Denver, Co 720-***-****

Summary of Qualifications

Dynamic and highly-motivated professional with demonstrated expertise as a successful Underwriter and Manager with proven expertise in operations, workflow planning and staff management. Key strengths include training and motivating team members to provide a cohesive, high performance, and productive unit. Proficient in credit risk assessment by analyzing the credit package, along with investor guidelines. Adept in problem resolution, scheduling, and communication to provide consistency of product. Reputation as a self-directed professional with excellent communication and people skills. Proven ability to maintain and exceed underwriting productivity and service levels. Strong communicator and negotiator with exceptional follow-up and organizational skills. Equipped with an excellent work ethic and a commendable track record of dependability, pooled with absolute integrity.

Areas of Expertise

Business Workflow Planning

Staff Management

Relationship Building

Training and Communication

Time Management

Underwriting

Lending Products

Risk Management

Sales/Marketing

Exceptional Interpersonal and Communication Skills – A leader with superb communication skills that has excellent management skills and the key ability to create and maintain profitable business relationships.

Encompass 360 System Admin – Proven ability to develop creative and innovative solutions to meet company system upgrades and challenges. Provided daily support for user issues via help help desk.

Work Ethic and Professionalism – Solid professional standards. A high-performance mortgage professional who maintains focus on achieving and exceeding bottom-line results while ensuring outstanding client satisfaction.

Professional Experience

Planet Home lending Santa Ana, CA

Senior Underwriter August 2019 – Present

Provided mortgage underwriting of VA/FHA and Conventional loans for a national lender from application to funding.

Demonstrated superior leadership talent as well as excellent verbal and written communications skills.

Focused on assigned corporate objectives as determined by management and general market conditions.

Underwrote mortgage files prior to submission to ensure that the borrower satisfied credit requirements.

Colten Mortgage Greenwood Village, CO

Director of Underwriting April 2017 – July 2019

Provided mortgage underwriting of VA/FHA/USDA and Conventional loans

Supervise underwriting staff, establish loan approval authority for new underwriter as well as provide 2nd level reviews for declines and exceptions

System Admin for Encompass 360

Pacific Union Financial Irving, TX (Remote)

Senior Underwriter June 2016 –April 2017

Provided mortgage underwriting of VA/FHA/USDA and Conventional loans for a national lender from Underwriting to Clear to close in Non-Delegated Correspondent Division

Focused on assigned corporate objectives as determined by management and general market conditions.

WJ Bradley Greenwood Village, CO

Underwriting Manager June 2014 – June 2016

Underwriting of residential mortgages. Loan types FHA/VA/USDA/FNMA/FHLMC and Jumbo loans

Serves as a liaison between production and credit risk departments, communicating the needs of each branch's personnel and Underwriters in relation to the overall goals and mission of the organization.

Manages the daily underwriting productivity of all underwriters and the quality of underwriting.

develops and ensures the implementation of training in the region to significantly improve quality. Aligns organization goals to production, operations, and underwriting within the company’s risk strategy, direction, and overall philosophy through direct and indirect management of all groups.

Primary Residential Mortgage Group

Regional Underwriting Supervisor December 2011 – May 2014

Hired as a Senior Underwriter to this residential mortgage lender and promoted within one month as the firm’s lead underwriter to oversee underwriting activities at 19 retail branches throughout northern California, Nevada, Wyoming, Montana and Colorado and to manage a team of 14 Underwriters.

Serves as a liaison between production and credit risk departments, communicating the needs of each branch's personnel and Underwriters in relation to the overall goals and mission of the organization.

Manages the daily underwriting productivity of all underwriters and the quality of underwriting.

Develops and ensures the implementation of training in the region to significantly improve quality.

Aligns organization goals to production, operations, and underwriting within the company’s risk strategy, direction, and overall philosophy through direct and indirect management of all groups.

Interfaces with peers/supervisors at all levels of management to ensure organizational goals are met.

Colonial Financial Centennial, CO

Underwriting Manager July 2010 – December 2011

Effectively increased production by over 100% by enforcing underwriting standards and application of underwriting philosophy, policy, and procedures. Worked with new associates – providing a thorough review and analysis of each new credit decision and co-signed loans as the Underwriting Manager.

As Underwriting Manager fostered a team environment, resulting in greater understanding of products.

Underwrote an average of 100 plus loans monthly, consistently ranking as top producer of new loans closed in region. Entrusted with a signing authority of up to $2MM. Informed clients of products/services.

Possessed an outstanding desire and strong ability to exceed revenue and established territory goals.

Maintained a sustainable record of sales achievement and quotas, and responded to employee inquiries.

Pulte Mortgage Corp Englewood, CO

Senior Underwriter July 2007 – June 2010

Provided mortgage underwriting of VA/FHA and Conventional loans for a national homebuilder from application to funding. Led training to new underwriters, and worked as led in the repurchase division.

Demonstrated superior leadership talent as well as excellent verbal and written communications skills.

Focused on assigned corporate objectives as determined by management and general market conditions.

Underwrote mortgage files prior to submission to ensure that the borrower satisfied credit requirements.

Fiserv Lending Boulder, CO

Credit Manager/Project Manager January 2007 - July 2009

Developed Mortgage Due Diligence system for performing and non-performing assets for sale to the secondary market. Led on-site loss mitigation functions that included but not limited to portfolio analysis, strategic targeting, and individual cases; provided workout proposals and loan modifications.

Reviewed all declined workouts and modifications with staff and internal customers as well as investors.

Contract Underwriting April 2005 – December 2006

Served as on-site Lead Contract Underwriter. Performed underwriting at lenders site, which included Wells Fargo, RFC, Home banc, and with temporary contract companies. Responsibilities included performing underwriting of loans, which included FHA and FHLMC/FNMA to include Jumbo loans.

Duties included underwriting on average 8-10 new files per day along with reworks and conditions.

As Lead Underwriter, performed additional duties for a team of between 6-8 Underwriters, which included reviewing workflow and declines as well as training on new products and procedures as needed.

Norwest /Wells Fargo Bank Riverside, CA / Denver, CO

Sr. Map Underwriter November 1996 – April 2005

Performed underwriting of FNMA/FHLMC VA/FHA loans in retail, then wholesale division of bank.

Led in providing extensive training of Junior Underwriters and Processors in support of retail branches.

Underwrote a monthly average of over 280 new loans, and signed-off on all conditions and reworks.

GE Capital (MI) Orange, CA

Contract Underwriter October 1992 – November 1996

Preformed contract underwriting for GE Capital; reviewed all jumbo loans sold to GE Mortgage services.

Underwrote 10-12 loans per day. Was Team Lead of 5 Underwriters. Reviewed all declines and suspended files; provided training as required as to product and policies for both GE Capital and Interfirst Bank.

Education

US Army Education Center – B.A. in Business Administration Heilbronn, Germany

CA School of Mortgage Banking – Loan Processing/Underwriting Orange, CA

VA Lender Appraisal Processing Program (LAPP) (SAR) Active

FHA Direct Endorsement (DE) Active

Contact this candidate